business briefing 7 19-12

Turn off/mute all cell phones.1

Enjoy your time with us!4

Save all questions for after the meeting.2Keep movement to a minimum while the meeting is taking place.3

Please

5:004:594:584:574:564:554:544:534:524:514:504:494:484:474:464:454:444:434:424:414:404:394:384:374:364:354:344:334:324:314:304:294:284:274:264:254:244:234:224:214:204:194:184:174:164:154:144:134:124:114:104:094:084:074:064:054:044:034:024:014:003:593:583:573:563:553:543:533:523:513:503:493:483:473:463:453:443:433:423:413:403:393:383:373:363:353:343:333:323:313:303:293:283:273:263:253:243:233:223:213:203:193:183:173:163:153:143:133:123:113:103:093:083:073:063:053:043:033:023:013:002:592:582:572:562:552:542:532:522:512:502:492:482:472:462:452:442:432:422:412:402:392:382:372:362:352:342:332:322:312:302:292:282:272:262:252:242:232:222:212:202:192:182:172:162:152:142:132:122:112:102:092:082:072:062:052:042:032:022:012:001:591:581:571:561:551:541:531:521:511:501:491:481:471:461:451:441:431:421:411:401:391:381:371:361:351:341:331:321:311:301:291:281:271:261:251:241:231:221:211:201:191:181:171:161:151:141:131:121:111:101:091:081:071:061:051:041:031:021:011:000:590:580:570:560:550:540:530:520:510:500:490:480:470:460:450:440:430:420:410:400:390:380:370:360:350:340:330:320:310:300:290:280:270:260:250:240:230:220:210:200:190:180:170:160:150:140:130:120:110:100:090:080:070:060:050:040:030:020:010:00

Sunday Monday Tuesday Wednesday Thursday Friday Saturday1 2 3 4 5 6 7

8 9 10 11 12 13 14

15 16 17 18 19 20 21

22 23 24 25 26 27 28

29 30 31

Just the Facts

$0.02 $0.08$0.04 $0.16

$20.48

$2,621.44$1,310.72

$10.24$5.12

$655.36

$20,971.52

$163.84

$5,242.88

$40.96

$327.68

$81.92

$10,485.76

$41,943.04 $83,886.08 $167,772.16 $335,544.32 $671,088.64 $1,342,177.28

$2,684,354.56 $5,368,709.12 $10,737,418.24

Tonight is about...

The FactsYOU

YourDREAMS Your

GOALSYourFUTUREWHAT YOU WANT

Tonight is about...

Quality of LifeWhen people talk about what they WANT, What they are really talking about...

What isQuality of Life?

MoreTIME

MoreMONEY

Time & Money for What?

QUALITY OF LIFE

A better life for those you love

Entertainment

Toys/Luxuries

Giving

Enjoy Financial Independence

Dream Home

Create a Legacy

What determines your Quality of Life?

How You MANAGE

Your MONEY

How You MAKEYour

Who is in Control of Your Time & Money?

Control of TIME.Control of MONEY.

Self-EmployedOwns a job. Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson.

InvestorHas money working for them.Enjoys complete freedom and lives the dream.

The Cash Flow Quadrant, CASH FLOW Technologies, used with permission. The Cash Flow Quadrant and ESBI are trademarks of CASH FLOW Technologies Inc. For information purposes only. Not for any product solicitation.

EmployeeHas a job. Income based on position, not the person.

Business OwnerOwns a system. Has others working for him/her. Unlimited income potential via manufacturing, marketing, etc.

No Control of TIME.No Control of MONEY.

Limited control of TIME.Limited control of MONEY.

No Control of TIME.No Control of MONEY.Self-EmployedOwns a job. Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson.

Control of TIME.Control of MONEY.InvestorHas money working for them.Enjoys complete freedom and lives the dream.

The Cash Flow Quadrant, CASH FLOW Technologies, used with permission. The Cash Flow Quadrant and ESBI are trademarks of CASH FLOW Technologies Inc. For information purposes only. Not for any product solicitation.

PRIMERICAIn Primerica, you are in business FOR yourself, but not BY yourself!

PRIMERICA

•Listed on the NYSE under symbol (PRI)•Approx. 100,000 Representatives•Over Six Million Clients•In Business Since 1977

Tonight is about Freedom

Primerica DebtWatchers™Offered by Primerica Client Services, Inc. through contractual agreement with ®

Life InsuranceAnnuities1,3

Debt Solutions1,2

Legal ProtectionLong Term Care

Auto & Home InsuranceReferral Program

Mutual Funds3,5

Quotes from such companies as: Travelers

Safeco Progressive

Managed Accounts1,4

401(k) Plans1,3

Help Families Become:Properly Protected

Financially IndependentDebt FreeOur Mission:

We teach people How Money Works

We provide a Financial Needs Analysis

We offers a variety of Products and Services

Our Method:

We teach peopleHOW MONEY WORKS

Bypass The Middleman

Banks, Credit Unions, Insurance Companies = Historically Low Rates of Return

Traditional Financial Institutions

$40,000 $160,000 $2,560,000$1,280,000

$20,000

$10,000$10,000 $10,000

$20,000$20,000

$40,000

$80,000

$80,000$160,000$320,000$640,000

0612182430364248

Numberof Years 3% 6% 12%

TheRULE OF 72

We provide a FINANCIAL NEEDS ANALYSIS

Life Insurance

Debt Elimination

Saving for Retirement

Auto & Home

Other Savings

Income

Bob And Susan Smith (Ages 35 And 33) With Two Children

A or B

With PrimericaDebt1: They enrolled in Primerica DebtWatchers™, and created a Fast Pay Plan to eliminate all credit card debt, save four years of mortgage loan payments and over $56,000 in total interest. (with $0 extra payment)Debt free at age 55Term Life Insurance3: $300,000 coverage on Bob, $300,000 coverage on Susan and $25,000 on each of the children. Total monthly cost: $123Saved: $175 per monthPLPP4: Bob & Susan SET UP A WILL and got access to a respected, full-service law firm ($25 per month)Auto & Home: Now they pay $178 per monthSaved: $65 per month on their auto and home insuranceRetirement3: Rolled over $20,000 IRA into mutual funds. Monthly contributions increased to $300. Accumulated savings at 9% at age 67 = $1,022,000Extra invested: $200 per month

Before PrimericaDebt1: Bob and Susan had $165,000 1st mortgage loan balance; payoff in 24 years and had a total balance of $13,000 on three credit cards; payoff in 58 years.Debt free?Life Insurance2: $150,000 coverage on Bob $150,000 coverage on Susan No protection on the children.Total monthly cost: $298*

PLPP: Bob & Susan had NO WILL.

Auto & Home: Bob & Susan were paying $243 per month for auto & home insurance. Retirement: Bob & Susan had $20,000 in an IRA at the bank earning 3%, with $100 per month contributions.Accumulated savings at age 67 = $116,000

We offer a variety of PRODUCTS & SERVICES

Primerica DebtWatchers™

Quotes from such companies as: Travelers

Safeco Progressive

Our Business Plan:Get Trained!

Get Licensed!Earn a $1,000 Bonus!

YOU...

Career Recruits

Career Field Training

Observations

Additional Bonus

Total Bonus

Licensing Activity

1 1 $100 $100Receive credit for

attending pre-

licensing class 2 2 $200 $300

3 3 $300 $600

4 4 $400 $1,000

Get life licensed and

make first personal life sale

Got Trained!Got Licensed!

Earned a $1,000 Bonus!

YOU...

More Importantly!YOU...

Got Promoted!You Built a Team!

District Leader: Part-Time

Personal:5 clients in one month5 life sales3 IRA rollovers1 Primerica DebtWatchers™2 A&H2 PLPP

Total cash for the month: $4,868And even if you did about half of that, you could still earn $2,628!

If you could potentially earn $20,000 to $40,000 a year part-time without jeopardizing your job, would that interest you?

Regional Leader: Part-TimePersonal: 5 clients in one month 5 life sales 3 IRA rollovers 1 Primerica DebtWatchers™ 2 A&H 2 PLPP

Equals: $6,545

Override: 3 District Leaders 6 clients in one month 6 life sales 3 IRA rollovers 3 Primerica DebtWatchers™ 3 A&H 2 PLPP

Equals: $1,973

Total cash for the month: $8,518Once you reach $50,000 to $80,000 a year in income,

would you consider making a career change?

Regional Vice PresidentPersonal: 5 clients in one month 5 life sales 3 IRA rollovers 1 Primerica DebtWatchers™ 2 A&H 2 PLPP

Equals: $9,065

Total cash for the month: $22,100 ($250,000/yr.)

Override: 3-6 District Leaders 12 clients in one month 12 life sales 5 IRA rollovers 3 Primerica DebtWatchers™ 3 A&H 3 PLPP

Equals: $9,535Bonus: $3,500

Regional Vice President

Total cash for the month: $41,600 ($500,000/yr.)

$150,000/yr.

$6,500/mo.

$22,100/mo.

Senior Vice President

What’s Next?

1Fill out your Independent Business Application

Fill out your Independent Business Application (IBA) — $99 Value includes: State license fee Exam fee Fingerprint/background check PFSU pre-licensing Total: worth approximately — $600 Total fees vary for each state

2Register for your Online Business Support

System (POL)

Online Business Support System (POL) - $25/month Value includes: Cell phone discount $100-$250/year Your own website and business reports $600 Access to live and on-demand video training $400 Qualify to have securities license paid for $500 Morningstar financial analysis software* $4,000/year Total: worth approximately — $6,000 *Must be securities licensed

2Register for your Online Business Support

System (POL)

3Get off to a fast start!

(FSP & FNA)

Get off to a fast start! •Set up a time within the next 24-48 hrs to do your Personal Financial Needs Analysis and your Personal Business Game Plan (Fast Start Planner.)•Qualify for a bonus up to $1,000 when you get trained, licensed and producing. (See company brochure for details.)

LIVES HEREFREEDOM

Money Management Mistakes:

Not Understanding How Money Works

We teach peopleHOW MONEY WORKS

TheHIGH COST OF WAITING

To have $1 million at age 65, would you rather save:

$158/month from 25-65

$1,000,000

This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns.

$1,000,000

$442/month from 35-65

$1,317/month from 45-65

35 6545

$1,000,000

$4,882/month from 55-65

45 6555

$1,000,000

45 55 6560

$12,914/month from 60-65

$1,000,000

Too Lateat 65

$1,000,000

Money Management Mistakes:

Overpaying For Different Types of Insurance

Auto & Home, Ways to $ave Money

Primerica Secure: Largest Comparative Quoting System20+ Top National Insurers Quotes from companies such as: Travelers, Safeco, Progressive, Hartford, 21st Century, esurance

The average client saves as much as $478 annually on their auto insurance through Primerica Secure. This savings amount is based on a survey of insurance premium information provided by 567 purchasers of insurance from Answer Financial based on their responses to the survey and their estimated savings statements during 1/1/2009 and 3/31/2009. It is unlikely an investment would grow 10% on a consistent basis, given current market conditions. Rates of return are constant unlike actual investments which will fluctuate in value. It does not include fees or taxes which would lower results.

Before Primerica Auto & Home: John & Mary were paying $243 per month for auto & home insurance.

The more you save, the more to invest…

After Primerica Auto & Home: Saved: $65 per month on their auto & home insurance… $65 mo @ 10% for 20 years = $49,000 (college fund)

Cash Value Life Insurance vs. Buy Term and Invest the Difference

SAME $298

Cash Value Life Insurance Whole Life, Universal Life, Variable Life

Which program would you want?

Buy Term and Investthe Difference

(35-year Level Term, $25,000 on two children)

$150,000

John age 35

$150,000

Mary age 33

$300,000

Mary age 33

$300,000

Johnage 35

$298Monthly Premium

Monthly Premium

Investment at 70

$669,948

Monthly premium for cash value policies is an average of whole life policies from three major North American life insurance companies for male, age 35, standard risk and female, age 33, standard risk. Cash value life insurance can be universal life, whole life or variable life, and may contain benefits in addition to a death benefit, such as dividends, interest, or cash value available for a loan or upon surrender of the policy. Whole life usually has a level premium for the life of the policy. Primerica monthly premium for age 35, non-tobacco use for 35-year Custom Advantage policy (C535) and spouse age 33, non-tobacco use for 35-year Custom Advantage rider (C5SR), both with rates guaranteed for 20 years, plus a child rider of $25,000 each on two children, underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, GA. Term insurance provides a death benefit only and its premiums increase at certain ages. The accumulation figure reflects continued investment at the same rate over 35 years at a 10% nominal rate of return compounded monthly and does not take into consideration taxes or other factors, which would lower results. This example uses a constant rate of return, unlike actual investments, which will fluctuate in value. This is hypothetical and does not represent an actual investment. It is unlikely an investment would grow 10% on a consistent basis, given current market conditions.

Cash Value

$175 @10%

Money Management Mistakes:Debt

Solution: Debt StackingRetail Card 1Credit Card 2Car LoanCredit Card 1MortgageTotal

The above example is for illustrative purposes only. The Debt Stacking concept assumes that: (1) you make consistent payments on all of your debts, (2) when you pay off the first debt in your plan, you add the payment you were making toward that debt to your existing payment on the next debt in your plan (therefore you make the same total monthly payment each month toward your debts) (3) you continue this process until you have eliminated all of the debts in your plan. In the example above, when the retail card is paid off, the $220 is applied to credit card 2, accelerating its payment to $573. After credit card 2 is paid off, the $573 is applied to the ca r loan for a total payment of $1,124. The process is then continued until all debts are paid off. Note that the total payment per month remains constant. It is unlikely an investment would grow 10% on a consistent basis, given current market conditions. The hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments, which will fluctuate in value, and does not include taxes or fees, which would reduce returns. Investing begins once debts have been paid off (at age 44). It is unlikely an investment would grow 10% on a consistent basis, given current market conditions.

$353$551$303

$1,293$2,720

$551$303

$1,293$2,720

$303$1,293$2,720

$1,293$2,720

$220$353$551$303

$1,293$2,720

As each debt is paid off, you apply the amount you were paying to that debt to the payment that you were making on the next target account.

$1,427$1,124

$2,720

$573+ $220

+ $573+ $1,124

+ $1,427

$220Age 35

23 years to pay off debt and $214,442 in interest paidPaid off in 8 years, Age 43 ( 15 years sooner) Interest saved $130,643

(Age 44) Once debts are paid off, invest $2,720 each month at 10%@ Retirement … Age 67 = $2.8 million

Do Financial Companies Want You To Know This?

Money Management Mistakes:Overpaying Taxes

Are You Giving the Government an Interest-Free Loan?

Average 2010 tax refund = $3,129 $3,129/12 months = $260/month*

$260 Monthly Overpayment for 35 years (Age 35-70)

The hypothetical interest rates are for illustrative purposes only and not indicative of a guaranteed rate of return on any investment. Illustrative rates of return are nominal, compounded monthly. Rates of return are constant unlike actual investments which will fluctuate in value. It does not include fees or taxes which would lower results. *CNNMoney.com, March 4, 2011

3% interest $192,807

0% interest $109,200If you make:

6% interest $370,425

12% interest $1,672,049

Money Management Mistakes:Not Having a Plan

People Don’t Plan to Fail, They Fail to Plan

The Problem:Traditional financial institutions sell you products. They don’t provide you with a total solution.

Installment LoansBank Accounts

Credit Cards

Mutual Funds

401(k)

Life Insurance

The Solution:A Financial Needs Analysis.A customized, confidential and complimentary program that helps you achieve your goals and dreams.

A Financial GPSIt helps you find answers to important questions.

Five Reasons People Get Involved1. They don’t like their current job and are looking

for a career change & better income potential.2. They love what they do… but earning extra

part-time income each month would make a positive difference.

3. They want to get a financial education so they can learn how to win the money game.

4. They love helping people and making a difference.

5. They dream of having their own business.Can you see how most people would beinterested in at least one of these areas?

Tonight is about FreedomFreedom is about YOU being in

control of your life and not having someone else dictate what you can and cannot do,

what you can and cannot have, what you can and cannot

become!

Tonight is about Freedom

Are you living your Dream?Or just getting by in your

life,letting your future rest insomeone else’s hands?

Tonight is about FreedomWhat can you do to stop

“getting by” and start getting ahead? Consider your options and make a

change to break the chains of financial dependence.

Tonight is about Freedom Option 1:

– Are you willing to give up some of your dreams? Which would you be willing to give up?• Your child’s college/university education?• Your retirement?• Your dream house?

– How can you possibly choose?

–Work more and spend less time with your family?• Would you be able to juggle two or even

three full-time jobs? Would you still be able to give your family that most precious gift of all – your time?

–Start a Business• Many consider starting a business.

However, high start-up costs, capital investments and fear of failure prevent many from going forward with the idea.

– Have you ever thought of starting a Business?

Tonight is about Freedom What if there were a way to easily

transition into building a business:– Without investing a large sum of money– Without “reinventing the wheel”– Without needing to figure out everything

on your own– Without giving up your present job

Would you be interested?

To provide a better Quality of Life for those you love — Spouse,

Children, Parents

Time and Money for What?

To enjoy the Freedom that Financial Independence offers.

— Freedom from the worries/stress of Financial Dependence

Travel, Entertainment, Hobbies, EventsToys/Luxuries (Cars, boats, big screen TV, jewelry, wardrobe)

Dream Home (2nd home, Lake house, Beach house, Ski home,

hunting/fishing)

GIVING: Charities, Churches, MissionsChange your Family Tree Create a Legacy

What is Most People’s Reality?

100 people at age 65:1% Wealthy ($5 million)4% F.I. ($1 million) 5% deceased 36% working 54% dependent Source: SmartMoney, 2001

Source: SmartMoney, 2001

1% 4% 5%36%

100 People at Age 65

1% Wealthy4% F. I.5% deceased36% working54% dependent

Source: SmartMoney, 2001

1% Wealthy ($5 Million)

4% F. I. ($1 Million)

5% Deceased

36% Working

54% Dependent

100 People at Age 65:

Wealthy 1%

Source: Smart Money 2001

CEO/President 10%

Salesperson 5%5% Inheritance/ 1%

Lottery1%

Doctor/Attorney 10%

Business Owner 74%74%

“After reviewing and analyzing thousands of business opportunities

around the world, one company that meets all 15 of our criteria is

Primerica.”

“Primerica has a 33 year proven track record in the financial services

industry.”

“In 2010 they listed on the NYSE and was named one of the most successful

IPOs of the year, with its share price increasing 65% in 12 months.”

“Currently this debt free company is ranked #1 in Term life premiums, with over 4.3

million lives insured, and they have over 2 million investment clients, with $35 billion

in assets under management.”

In General...

COLORRED BLUEFLOWERROSEFURNITURECHAIR COUCHHOLD UP 3 FINGERS

QUALITY OF LIFE

A better for those you

Entertainment

Toys/Luxuries

Giving

Dream Home

Create a Legacy

To provide better for those you love

SPOUSECHILDREN

PARENTS

TRAVEL

ENTERTAINMENT

HOBBIESEVENTS

CARSBOATS

BIG SCREEN TVsJEWELRY

Toys/Luxuries

WARDROBE

Giving

CHARITIESCHURCHES

MISSIONS

FREEDOM FROM

WORRIES

NO FINANCIAL

STRESS

2ND HOME

LAKE HOUSE

BEACH HOUSE

SKI HOME

Dream Home

HUNTING/FISHING CAMP

CHANGE YOUR FAMILY TREE

CREATE A LEGACY

To provide a better Quality of Life for those you love — Spouse, Children, Parents

For most people these things are just wishes...

To enjoy the Freedom that Financial Independence offers.— Freedom from the worries/stress of Financial Dependence

Travel, Entertainment, Hobbies, EventsToys/Luxuries (Cars, boats, big screen TV, jewelry, wardrobe)

Dream Home (2nd home, Lake house, Beach house, Ski home, hunting/fishing)

GIVING: Charities, Churches, Missions

Change your Family Tree Create a Legacy

At PFS - It’s a Reality!

Just the Facts

$0.02 $0.08$0.04 $0.16

$20.48

$2,621.44$1,310.72

$10.24$5.12

$655.36

$20,971.52

$163.84

$5,242.88

$40.96

$327.68

$81.92

$10,485.76

$41,943.04 $83,886.08 $167,772.16 $335,544.32 $671,088.64 $1,342,177.28

$2,684,354.56 $5,368,709.12 $10,737,418.24

Sunday Monday Tuesday Wednesday Thursday Friday Saturday1 2 3 4 5 6 7

8 9 10 11 12 13 14

15 16 17 18 19 20 21

22 23 24 25 26 27 28

29 30 31

Life Insurance

$150,000

AGE 35 10070

AGE 35 70

$300,000

CASH VALUE Buy Term Invest the Difference&

$298/mo.

Same$298

$123/mo. $175 @ 9%

$518,673

business briefing 7 19-12

current market

unlike actual

independent

cash flow

cash flow

return compounded

employee business

money management

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